Ink Business Unlimited vs United Club
Ink Business Unlimited
$0/yr
7.0/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Ink Business Unlimited charges no annual fee with 1X base rewards. United Club charges $695/yr with 1X base rewards. Ink Business Unlimited offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Ink Business Unlimited →
PointsPick may earn a commission. Disclosure
Apply for United Club →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Ink Business Unlimited
Lower annual fee ($0 vs $695)
Rewards Earning
United Club
2 earning categories
Benefits & Protection
Ink Business Unlimited
6 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Ink Business Unlimited wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for Ink Business UnlimitedPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
Ink Business Unlimited
| Everything | 1.5X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
Ink Business Unlimited (6 benefits)
- Trip Cancellation/Interruption Insurance (up to $5,000)
- Auto Rental Collision Damage Waiver
- Purchase Protection (up to $10,000)
- Extended Warranty Protection (up to $10,000)
- Cell Phone Protection (up to $1,000)
- Travel Accident Insurance (up to $500,000)
United Club (0 benefits)
No benefits data available